Insurance Plans Comparison
Star Super Surplus Gold vs Aditya Birla Active Care Premier
Make an informed decision with our detailed side-by-side comparison of top health insurance policies. Compare...
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Super Surplus Gold
Star Health Super Surplus Gold Plan
What Makes It Special:
Star Super Surplus is a floater top-up policy intended to provide additional health protection after eligible hospitalisation expenses cross the selected deductible or defined limit. The Gold Plan offers high Sum Insured choices, single private A/C room eligibility, maternity benefits, organ donor expenses, AYUSH treatment and a recharge benefit.
Best For:
Policyholders wanting additional protection beyond a base health plan
Customers seeking a Gold Plan maternity benefit
Families looking for a floater top-up plan
Customers wanting high Sum Insured with a defined limit
Families seeking additional top-up protection
VS
Active Care Premier
Aditya Birla Activ Care Premiere
What Makes It Special:
Activ Care Premier is a senior citizen-focused health plan from Aditya Birla that upgrades classic senior cover with a Single Private Room, consumables coverage,and home care support, all with a shorter 2-year PED waiting period.
Best For:
Those looking for wellness-linked premium rewards
Buyers who prefer treatment at home through home care and domiciliary options
Those wanting a private room during hospitalisation
People managing chronic conditions like diabetes or hypertension
Senior citizens aged 46 to75 years
Insurance Plans Comparison
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Quick Decision Guide
The policy offers lifelong renewals.
Gold Plan provides a defined maternity benefit after the waiting period.
Recharge Benefit can provide additional indemnity after exhaustion or excess of Sum Insured.
The policy is available on a family floater basis.
Gold Plan Sum Insured options extend up to ₹1 Crore.
Check the 20% co-payment and disease-wise sub-limits carefully before purchase
May not suit buyers wanting in-built OPD coverage
Suitable for buyers who value home nursing and domiciliary care options
Useful for people who want consumables coverage in the base plan
Good option if you're a senior wanting private-room comfort with a 2-year PED waiting period
Insurance Plans Comparison
Detailed Features Comparison
Compare the key features of different health insurance plans
Super Surplus Gold Health Insurance Plan VS VS |
Active Care Premier Health Insurance Plan |
| Room Rent |
|---|
Super Surplus Gold Single Private A/C Room |
VS VS |
Active Care Premier Single Private Room. ICU charges covered up to the Sum Insured. |
| ICU Charges |
|---|
Super Surplus Gold Covered as part of hospitalisation |
VS VS |
Active Care Premier Covered up to the Sum Insured. |
| Co-payment |
|---|
Super Surplus Gold Not specified as a standard co-payment |
VS VS |
Active Care Premier 20% co-payment applies on admissible claims. |
| Disease-wise sublimits |
|---|
Super Surplus Gold Specific limits and defined limits apply |
VS VS |
Active Care Premier Certain treatments carry sub-limits — including domiciliary hospitalisationcapped at10% of Sum Insured,and organ donor expenses up to50% of Sum Insured. |
| Cashless Healthcare Providers |
|---|
Super Surplus Gold Cashless treatment through network hospitals |
VS VS |
Active Care Premier Cashless treatment available at 11,000+ network hospitals across India. |
| Restoration Benefit |
|---|
Super Surplus Gold Recharge Benefit available once for the remaining policy period |
VS VS |
Active Care Premier 100% of the Sum Insured is restored for subsequent hospitalisations due to a different illnessin the same policy year. |
| Cumulative Bonus |
|---|
Super Surplus Gold Not specified |
VS VS |
Active Care Premier Earn 10% of Base Sum Insured per claim-free year, accumulating up to a maximum of 50%. |
| Daycare Treatment |
|---|
Super Surplus Gold All daycare procedures covered |
VS VS |
Active Care Premier 586 daycare procedures covered, even when hospitalisationis less than24 hours. |
| Consumable Cover |
|---|
Super Surplus Gold Not specified |
VS VS |
Active Care Premier Covered in the base plan, including non-medical consumables used during hospitalisation. |
| AYUSH Treatment |
|---|
Super Surplus Gold Covered up to Sum Insured |
VS VS |
Active Care Premier Covered for listed AYUSH treatments, subject to policy terms. |
| Initial Waiting Period |
|---|
Super Surplus Gold 30 Days, subject to policy terms |
VS VS |
Active Care Premier 30 days from policy inception for general illnesses. Accidental hospitalisationis covered from day 1. |
| Specific Waiting Period |
|---|
Super Surplus Gold 12 Months for Gold Plan specified diseases and procedures |
VS VS |
Active Care Premier 2 years for listed specific illnesses and procedures. |
| PED Waiting Period |
|---|
Super Surplus Gold 12 Months for Gold Plan PEDs |
VS VS |
Active Care Premier 2 years for pre-existing diseases — a shorter-than-usual waiting period, helpful for seniors managing chronic conditions. |
| Modern Treatment |
|---|
Super Surplus Gold Covered subject to applicable limits |
VS VS |
Active Care Premier Covered for listed modern treatment methods, subject to the policy's list of covered procedures. |
| Annual Health Checkup |
|---|
Super Surplus Gold Not specified |
VS VS |
Active Care Premier Available as an add-on — the Advanced Health Check-up covers additional tests like mammography, PAP smear, thyroid function test, TMT, chest X-ray,and abdominal sonography on a cashless basis. |
| Pre-Hospitalisation |
|---|
Super Surplus Gold Up to 60 Days |
VS VS |
Active Care Premier Pre-hospitalisation medical expenses covered for30 days prior to hospitalisation. |
| Post-Hospitalisation |
|---|
Super Surplus Gold Up to 90 Days |
VS VS |
Active Care Premier Post-hospitalisation medical expenses covered for60 days following discharge. |
| Outpatient Department Cover (OPD Expense) |
|---|
Super Surplus Gold Not a standard OPD benefit |
VS VS |
Active Care Premier Not covered in the base plan. Tele-OPD e-consultationsare available as an add-on. |
| Deductible Option |
|---|
Super Surplus Gold Defined Limit applies to aggregate eligible hospitalisation expenses |
VS VS |
Active Care Premier Not a core feature of this variant — verify availability from the policy wordings. |
| Coverage Options |
|---|
Super Surplus Gold ₹5 Lakh to ₹1 Crore for Gold Plan |
VS VS |
Active Care Premier Sum Insured options from ₹3 lakh up to ₹10 lakh, designed for senior citizens. |
| Claim Settlement Ratio |
|---|
Super Surplus Gold Not specified |
VS VS |
Active Care Premier Aditya Birla Health Insurance reports a 96% claim settlement ratio(3-year average. |
| Maternity Cover |
|---|
Super Surplus Gold Delivery expenses up to ₹50,000 per policy period, maximum two deliveries, subject to 12-month wait and conditions |
VS VS |
Active Care Premier Not available in this plan. |
Insurance Plans Comparison
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Insurance Plans Comparison
Explore Insurance Category
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Senior Citizen Health Plan
Secure against age-related medical costs
Tailored for seniors healthcare needs
Most Popular
Family Health Plan
One policy covers the entire family
High sum insured with cashless care
Multiple coverage options based on your family needs
Maternity Health Plan
Covers delivery, newborn care, and maternity expenses
Reduces financial stress of childbirth costs
Insurance Plans Comparison
Frequently Asked Questions (FAQs)
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